What is Chemung Financial Corporation's (CHMG) StockRank?

MoatMap's StockRank for Chemung Financial Corporation (CHMG) is 66/100, with a Buy signal. This is a composite score combining Quality (37), Value (30), and Momentum (88) factor ranks across MoatMap's 20,000+ stock universe.

Does Chemung Financial Corporation have an economic moat?

Chemung Financial Corporation (CHMG) has a Quality factor score of 37/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Chemung Financial Corporation a buy, hold, or sell?

MoatMap's current signal for Chemung Financial Corporation (CHMG) is Buy, based on a StockRank of 66/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Chemung Financial Corporation in?

Chemung Financial Corporation (CHMG) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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CHMG

BUYREMOVE

Chemung Financial Corporation · Financial Services · United States · $344M · Avg Vol: $4M/d

StockRank

P/E (TTM)

18.8x

ROE

7.4%

D/E

—

Dividend %

1.9%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Chemung Financial is a small US community bank with low quality metrics (Q: 37) and no structural growth drivers or competitive advantages.

COMPANY DESCRIPTION

Chemung Financial Corporation is a regional bank holding company operating primarily through its subsidiary, Chemung Canal Trust Company, providing a comprehensive suite of commercial and retail banking, trust, and wealth management services. The company distinguishes itself through its deep roots in upstate New York and Pennsylvania communities and its diversified financial offerings, fostering strong, long-term client relationships.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR
Revenue	88.4M	94.6M	98.0M	96.1M	94.0M	1.5%
EPS	5.64	6.13	5.28	4.96	3.14	-13.6%
Shares	5.3M	5.3M	5.3M	5.3M	5.3M	+0.3%
Debt	25.5M	105.8M	40.8M	118.5M	139.5M	52.9%
Equity	211.5M	166.4M	195.2M	215.3M	254.7M	4.8%
Op CF	35.5M	35.0M	30.9M	29.8M	45.5M	6.4%
Inv CF	-242.5M	-252.6M	-82.4M	-57.7M	68.3M	—
Fin CF	125.5M	246.5M	32.5M	38.1M	-110.8M	—

PRICE (1Y)+12.0%

SMA 50SMA 200

$74.33

RSI (14)

73.6

52W High

$75.11

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.7%*28.5

ROE

7.4%33.8

GP/Assets

3.5%40.4

Op. Margin

41.5%61.1

FCF/Assets

—N/A

Piotroski

565.9

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

18.8x25.1

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.3x41.5

P/S

3.6x47.9

Div Yield

1.9%23.2

Momentum

52W High %

99%98.7

RS 6M

26%90.9

SMA 50/200

1.18x91.7

EPS Rev 4W

0.0%49.8

EPS Rev 12W

-8.2%15.0

EPS Improve

+98%82.9

Q Growth

53%75.8

FUNDAMENTALS

Market Cap

$344M

P/E (Forward)

9.5x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CHMG are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CHMG	Chemung Financial Corporation(you)	$344M	66	BUY
TSBK	Timberland Bancorp, Inc.	$333M	67	BUY
FMAO	Farmers & Merchants Bancorp, Inc.	$401M	67	BUY
WSBF	Waterstone Financial, Inc.	$347M	70	BUY
PLBC	Plumas Bancorp	$389M	69	BUY
ATLO	Ames National Corporation	$263M	66	BUY
FNLC	The First Bancorp, Inc.	$375M	70	BUY
WTBA	West Bancorporation, Inc.	$426M	68	BUY
FRAF	Franklin Financial Services Corporation	$275M	68	BUY
FRST	Primis Financial Corp.	$386M	61	HOLD

Peer medians: ROE 10.7% · P/E 13.5x · Gross margin 0.0%

Chemung Financial Corporation (CHMG) — Stock Score Summary

Chemung Financial Corporation (CHMG) has a MoatMap StockRank of 66/100 based on Quality (37/100), Value (30/100), and Momentum (88/100) factor scores. The current signal is BUY. Chemung Financial is a small US community bank with low quality metrics (Q: 37) and no structural growth drivers or competitive advantages.

Key Financial Metrics

Price	$74.33
Market Cap	$344M
P/E (TTM)	18.77
P/E (Forward)	9.47
Price/Book	1.31
Return on Equity	7.4%
Gross Margin	0.0%
Operating Margin	41.5%
Revenue Growth	19.1%
Dividend Yield	1.9%

Chemung Financial Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Chemung Financial Corporation’s (CHMG) StockRank?: MoatMap’s StockRank for Chemung Financial Corporation (CHMG) is 66/100, with a Buy signal. It is a composite of Quality (37), Value (30), and Momentum (88) factor ranks across MoatMap’s 20,000+ stock universe.
Does Chemung Financial Corporation have an economic moat?: Chemung Financial Corporation (CHMG) has a Quality factor score of 37/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Chemung Financial Corporation a buy, hold, or sell?: MoatMap’s current signal for Chemung Financial Corporation (CHMG) is Buy, based on a StockRank of 66/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Chemung Financial Corporation in?: Chemung Financial Corporation (CHMG) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).